Describe the business, confirm its class, and see which Canadian insurers and MGAs write it, with their contacts and applications.
This Canadian industry comprises establishments primarily engaged in applying principles of engineering in the design, development and utilization of machines, materials, instruments, structures, processes and systems.
Also in this class: provision of advice, preparation of feasibility studies, preparation of preliminary and final plans and designs, provision of technical services during the construction or installation phase, inspection and evaluation of engineering projects, and related services
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Six programs: technology, architects and engineers, professionals and consultants, accountants, real estate and property management, marketing and media. Limits up to $5M, defence outside limits (except US jurisdiction), worldwide territory, US revenue up to 20%. Fit: revenue around $3M or less, no open claims. Canadian firms outside Quebec. Optional CGL and legal expense add-ons.
E&O for any activity, for example consultants, architects, engineers, technologists, inspectors, brokers and claims adjusters.
Consultants, accountants, engineers, small and medium architecture and engineering firms, design-build contractors. Capacity $1 million to $10 million.
Architects, engineers (all disciplines), design consultants, interior designers, surveyors; up to $10M, annual or project specific.
Property, business income, equipment breakdown, crime, GL, umbrella and auto for companies with $25M to $500M revenue in manufacturing, wholesale and distribution, realty, retail, hospitality, business and professional services, technology and financial institutions. Minimum account premium $25,000; property to $500M TIV; GL $5M; casualty $25M. Focus on BC, Alberta and Ontario.
Target premiums $10K+. Management consultants, research firms, event planners, training consultants, advertising, translation, claims adjusters, employment agencies, OH&S, interior designers, PR; architects and engineers form with cyber and media, limits $25M, revenue to $5M. Avoid actuaries, home inspectors, CPAs, investment firms, mortgage brokers, M&A consultants.
Architects, draftsmen and engineers, cyber and privacy, IT, management consultants, media professionals, white-collar placement agencies, surveyors and other miscellaneous occupations.
Appetite matrix rating (strong, cautious, limited) by line (GL, E&O, environmental, auto, workers comp, umbrella, excess, property, equipment breakdown, inland marine, ocean cargo, multinational, business travel accident, management liability, cyber) for financial institutions, professional services, real estate, contractors, cultural, educational and healthcare institutions, retailers, wholesalers, entertainment, energy, clean technology, manufacturing, technology and life sciences classes. Ratings are colour coded in the PDF.
Products and services for professional service firms.
Quote, bind and print program for 30+ professional office classes, including accountants, dentists, engineers, lawyers, physicians, real estate agents, software developers, graphic and web design, insurance agents and photographers. Home and leased offices. CGL and broad form property on contents. Excludes cyber, US operations and E&O. BC, AB, SK and ON.
Allied health and medical malpractice, architects and engineers, design-build, mortgage brokers, life sciences and miscellaneous professional risks.
Small to medium architects, engineers and related consultants. E&O standalone or with optional CGL and property.
Architects and engineers, business services and consultants, contractors, property management, IT services, marine professional liability, freight forwarders legal liability, medical malpractice, tech E&O. Up to $5M, higher on request.
Engineers, accountants, IT and media, architects, insurance brokers, real estate.
Engineers and architects, contractors, life science, consultants and various professionals, gyms and fitness centres, beauty salons and spas, technology consultants, media companies.
Design professionals E&O (architects and engineers), miscellaneous E&O, design/build contractors, product manufacturers and suppliers, excess E&O.
Broad range of design disciplines; E&O and CGL each up to $5,000,000. Considers demolition, geotechnical, heavy civil, mining, oil and gas and structural; does not consider building envelope, cladding, glazing engineers or home inspectors. Not available in Quebec.
Products for this industry are listed in the Appetite Explorer.
Professional liability (E&O), plus E&O, D&O and an office package through Markel Connect.
Bookkeepers, accountants, management consultants, tax preparers, travel agents, counsellors and social workers, printers and graphic designers, adjusters, appraisers, dispute resolution, employment agencies, oil and gas consultants, architects and engineers. Up to $10M.
Medical malpractice, architects and engineers, contractors professional, recruitment and staffing, oil and gas, professional services, financial institutions.
Limits up to $25MM+, minimum premium from $500. Eligible classes: construction (contractors, sub-trades, architects, engineers, consultants), manufacturing, real estate (strata corps, boards), energy and resources (oil and gas, mining, forestry, renewables), med science including cannabis, sports and entertainment (subject to sufficient revenues), commercial and non-profit entities.
E&O combined with CGL for architects and engineers, IT and technology, media and multimedia, miscellaneous professionals, and tattoo, body piercing, permanent makeup and beauty operations (not exhaustive). Limits not published.
Claims made. Miscellaneous professional liability (printers, safety consultants, travel agents, event planners, bookkeepers, mediators, placement agencies, property managers, project managers, business consultants), miscellaneous malpractice (medical clinics, RMTs, naturopaths, rehabilitation therapists, EMTs, ambulance), architects and engineers, media liability (advertising, graphic artists, radio, PR and marketing), manufacturers E&O and excess E&O. Group programs for associations available.
Professional liability up to $10M, excess to $20M, packaged with property, crime and CGL if needed.
100+ miscellaneous professions. Professional liability, D&O, cyber and fiduciary, packaged with property, BI, crime, CGL and legal expense. Up to $10M, excess to $20M; defence costs in addition, first dollar defence.
Classes include accountants, bookkeepers, architects and engineers, land surveyors, designers, computer consultants and software developers, advertising, marketing and media, publishers and printers, photographers, paralegals, claims adjusters, life agents, mortgage brokers, collection agencies, personnel placement, tour and travel, alternative health practitioners, physiotherapists, massage therapists, naturopaths and home health aides.
E&O and D&O, primary or excess, with optional cyber, property and legal expense. Accountants, engineers, paralegals, medical consultants and recruitment firms.
E&O for architects and engineers on job sites.
Focus on contractors, manufacturing, wholesale and distributors, real estate, professionals and technology, from small office exposures to complex contractors.
E&O and excess limits for architects and engineers, franchisors, excess lawyers E&O, software developers, non-destructive testing, forensics, life sciences, laboratories and miscellaneous classes.
Private practice, small firms, individuals, land surveyors, landscape architects, project managers of construction projects and single project cover.
Business consultants, print shops, hair salons and similar professional services, including vehicles used for commuting or carrying small products and mobile office equipment.
Property, liability and commercial auto for large businesses with alternative structures (captives, larger deductibles, retentions). Sectors: financial services, automotive, healthcare, food and beverage, realty, construction, manufacturing, business and professional services, warehousing and wholesale, mining.
Church, contractor, home-based business, office, realty (landlord) and retail insurance.
Packages for offices, retail stores, contractors, churches, B&Bs, wineries, residential rentals and vacation rentals. Options include pollution at insured premises, cyber and data compromise, flood, equipment breakdown, D&O, contingent loss of income and by-law coverage.
Online quoting and binding for E&O launched in 2024.
Multi-industry and single-industry specialists in construction, financial institutions, healthcare, life sciences, manufacturing, mining, oil and gas, power generation, professional services, real estate, renewable energy, technology, transport and logistics. Auto, CGL, cyber, D&O, equipment breakdown, inland marine, marine, E&O, property, surety, umbrella.
Professional Services and Technology: cyber, media, professional liability and technology E&O.
Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.
Office and home-based business packages under the Business Insurance Program: buildings, contents, crime, income replacement and liability.
Home business, retail store, church, apartment building owners, agri-business, office, contractors and fine dining packages.
Programs for business and professional services, retail, contractors, automotive, culinary and hospitality, realty, plus BizPak. Building, stock, equipment, equipment breakdown, commercial liability, crime and business interruption.
Apartment and residential rental, church, contractor's, home based business, office and retail packages, or a customized policy. Building, contents, equipment breakdown, business interruption, crime, liability, plus Data Compromise and CyberOne coverage.
Errors and omissions, commercial property, CGL, commercial vehicles and privacy breach for professionals offering technical services.
Residential rental, commercial realty, church, office, contractors, home based business, retail stores, wineries and light manufacturing. Options include equipment breakdown, sewer backup, flood, earthquake, crime, cyber, umbrella, business interruption and professional liability for certain professions.
Retail, offices, apartment owners, churches and contractors, including loss of income protection.
Professional liability for professionals.
Retail, office, contractors and church packages. Church package has all perils building and contents. Contractors package includes office contents, earnings, glass and signs, valuable papers, accounts receivable, contingent loss of income and pollution.
All-in-one package for office settings and business owners. Replacement cost, stated amount or 90% co-insurance.
Covers personal property of officers, employees, volunteers and visitors.
Package for office businesses: property, liability, loss of income, cyber coverage.
Package for professional service businesses: property including specialized professional equipment, liability, loss of income, crime, equipment breakdown, cyber.
Church, home based business, office, residential rental and retail packages for lower hazard operations, each with property, loss of earnings, crime and CGL. Non-package policies considered for risks outside package eligibility. Equipment breakdown and income replacement available.
Property, fleet and garage, farm, umbrella and legal expense for mid-size and larger businesses in manufacturing, commercial realty, business and professional services, contractors and retail.
Retail, offices, apartment owners, churches and contractors. Buildings, contents, tools and equipment, stock or cash, crime, income replacement and premises, products and operations liability.
Retail stores, offices, apartment owners and contractors. Building, contents, tools and equipment, stock or cash, crime, income replacement and liability.
Packages for office occupants, from administrative offices to medical clinics.
Other business types in this industry, each with its own market list.
Get listed free, confirm your listing to show it as verified, or ask about a sponsored placement on the classes you write. Sponsored placements are always labelled.
Listings show what each market publishes on its own website, checked on the date shown. Appetite and contacts change, so confirm with the market before you submit. Industry classes: Statistics Canada, NAICS Canada 2022 Version 1.0, under the Statistics Canada Open Licence. TrueNorthCE is not affiliated with the markets listed. Listings marked Sponsored are paid placements.